First Northern Federal Credit Union

Headquarters: Chicago, Illinois
Charter: Credit Union
Assets: $333.2M
Fed district: Chicago

21 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 23, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
First Northern Federal Credit Union: $2
First Northern Federal Credit Union: $2
U.S. median: no median
Overdraft (OD)
First Northern Federal Credit Union: $29
First Northern Federal Credit Union: $29
U.S. median: no median
Non-Network ATM
First Northern Federal Credit Union: $1
First Northern Federal Credit Union: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 23, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Illinois, the Chicago district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Illinois: Banks and credit unions headquartered in Illinois that publish the fee.
Chicago district: Banks and credit unions headquartered in the Chicago Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from First Northern Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Maintenance fee$2
per month
Annual Average Daily Balance Below Minimum$20
Not compared: Annual charge, not monthly
per year
Minimum Balance (audience not stated, treated as personal)$15
Minimum balance fee$7
per month
Early Closure of Membership Account (account closed within 90 days of opening)$15
Fee for an inactive account$9
per month
Account Reconciliation (per hour)$25
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement (each monthly or quarterly statement issued)$5
per month
Paper Statement Fee$5
per item
Excessive Withdrawal from Share Savings (in person)$6
Excessive withdrawal/transfer fee$9
per item

Overdraft & NSF

Courtesy Pay (per occurrence)$29
per item
NSF (Non-Sufficient Funds) for the following: ACH Share Draft, Debit Card Overdraft, Loan Payment (each presentment)$29
per item
Overdraft Transfer from Share Savings Account or other account sources (each occurrence)$5
per item

ATM & Card

ATM Balance Inquiry (performed at a non-FNCU ATM)$1
ATM Transfers (performed at a non-FNCU ATM)$1
Visa Debit Card Replacement F$25
per item
Visa Debit Card PIN or card rush (each item, each request)$50
per item
International Service Assessment1%
International transaction fee (audience not stated, treated as personal)1%of the transaction

Wire Transfers

Wire Transfer Request Form: Domestic$40
Wire Transfers - Outgoing (per individual wire)$25

Check Services

Cashier Check$5
Teller Check Withdrawal (per check, made payable to a third party)$2
per item
Money Order$2
Stop Payment of Check or ACH (each check or ACH)$29
per item
Temporary Checks (8-check pack)$5
Special Order Copy of Check$5

Digital & Electronic

ACH Origination (one time originations, each origination, non-recurring originations)$10

Account Services

Drill Fee$250
Not compared: Box drilling or key fee
Lost Key Fee$25
Not compared: Box drilling or key fee
Safe Deposit Box 10" x 10" x 22"$96
per year
Safe Deposit Box 3" x 10" x 22"$24
per year
Safe Deposit Box 5" x 10" x 22"$48
per year
Safe Deposit Box 5" x 5" x 22"$36
per year
Verification of Deposit Fee$10
per item

Gift & Prepaid Cards

Visa Gift Card Cost of Purchase$2.75

Fee	Amount	Basis	Note
Account Maintenance
Maintenance fee	$2	per month	None
Annual Average Daily Balance Below Minimum	$20Not compared: Annual charge, not monthly	per year	None
Minimum Balance (audience not stated, treated as personal)	$15	Not stated	None
Minimum balance fee	$7	per month	None
Early Closure of Membership Account (account closed within 90 days of opening)	$15	Not stated	None
Fee for an inactive account	$9	per month	None
Account Reconciliation (per hour)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement (each monthly or quarterly statement issued)	$5	per month	None
Paper Statement Fee	$5	per item	None
Excessive Withdrawal from Share Savings (in person)	$6	Not stated	None
Excessive withdrawal/transfer fee	$9	per item	None
Overdraft & NSF
Courtesy Pay (per occurrence)	$29	per item	None
NSF (Non-Sufficient Funds) for the following: ACH Share Draft, Debit Card Overdraft, Loan Payment (each presentment)	$29	per item	None
Overdraft Transfer from Share Savings Account or other account sources (each occurrence)	$5	per item	None
ATM & Card
ATM Balance Inquiry (performed at a non-FNCU ATM)	$1	Not stated	None
ATM Transfers (performed at a non-FNCU ATM)	$1	Not stated	None
Visa Debit Card Replacement F	$25	per item	None
Visa Debit Card PIN or card rush (each item, each request)	$50	per item	None
International Service Assessment	1%	Not stated	None
International transaction fee (audience not stated, treated as personal)	1%of the transaction	Not stated	None
Wire Transfers
Wire Transfer Request Form: Domestic	$40	Not stated	None
Wire Transfers - Outgoing (per individual wire)	$25	Not stated	None
Check Services
Cashier Check	$5	Not stated	None
Teller Check Withdrawal (per check, made payable to a third party)	$2	per item	None
Money Order	$2	Not stated	None
Stop Payment of Check or ACH (each check or ACH)	$29	per item	None
Temporary Checks (8-check pack)	$5	Not stated	None
Special Order Copy of Check	$5	Not stated	None
Digital & Electronic
ACH Origination (one time originations, each origination, non-recurring originations)	$10	Not stated	None
Account Services
Drill Fee	$250Not compared: Box drilling or key fee	Not stated	None
Lost Key Fee	$25Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10" x 10" x 22"	$96	per year	None
Safe Deposit Box 3" x 10" x 22"	$24	per year	None
Safe Deposit Box 5" x 10" x 22"	$48	per year	None
Safe Deposit Box 5" x 5" x 22"	$36	per year	None
Verification of Deposit Fee	$10	per item	None
Gift & Prepaid Cards
Visa Gift Card Cost of Purchase	$2.75	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 23, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

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